Vandalism Insurance Claims - Public Adjuster NH, CT, RI, MA, ME, NY

Vandalism Insurance Claims – Another Reality of Harsh Winter Weather

“The Insurance Carriers often seem deaf to the results of Vandalism.  When we file Vandalism Insurance Claims we backstop the claim with details and follow-up with strategies we have sharpened over hundreds of Vandalism Insurance Claims.  On Vandalism Insurance Claims, you truly need a Public Adjuster.” Marc Lancaric – Public Adjuster & President of Global Patriot Adjusters, LLC.

There is little that can make a home or business owner feel worse than when vandals seeking some sick joy of damaging your property, or theft of the metals that are part of running your heat and power.  For a host of reasons, the winter seems to bring a pronounced increase in Vandalism Insurance Claims.

If you your Home or Business is faced with an untimely attack resulting in Vandalism Insurance Claim, be prepared for a more harsh push back from your insurance carrier than with many other types of Wind and Fire Insurance Claims. 

WHAT TO DO WITH YOU NEED TO FILE VANDALISM INSURANCE CLAIMS:

1. File a Police Report
2. Contact Your Insurance Carrier to let them know you are going to file Vandalism Insurance Claims.
3. If plumbing, Electrical, or Structural problems exist, contact professionals in your area to secure each of these systems in a way to protect your property from further damage.  You will always need to “contain the loss,” to keep your insurance carrier from limiting the claim. 
4. Take lots of pictures.  Take 100 or more of the condition to be on the safe side of being able to prove the loss.
5. Contact us to be your Public Adjuster. The earlier you can contact us the better it will be in bringing about fast action by your insurance carrier handling the vandalism insurance claims for your property.  

WHAT TO EXPECT WHEN YOU HIRE US TO HANDLE YOUR VANDALISM INSURANCE CLAIMS:

When you contact Global Patriot Adjusters, you can expect our team to come alive with action regarding your needs.  We will meet with you, and being detailed course of action. 

• Initial Loss Investigation – Identify Cause of Loss (COL)
  • Replacement Cost Value (RCV)
  • Actual Cash Value (ACV)
  • Additional Living Expenses (ALE)
  • Depreciation / Recoverable Depreciation
  • Resolution and any other terminology related to your loss

• Analyze Insurance Coverage – Evaluate your insurance policy and endorsements to ascertain best strategy for maximizing your coverage
• Advise you on clean-up and how to proceed with recovery
• Negotiate with your insurance company for mitigation services, including water damage repair and cleanup, fire/smoke damage and cleanup, mold removal, and other various structural uninhabitable circumstances
• Create detailed report for you and insurance company of all damages resulting from loss
• Summary of costs resulting from property loss and Additional Living Expenses (ALE), which may include hotels, food, etc…
• Clearly explain all policy language

With years of experience, our ability to bring about quick action from your insurance carrier is our standard of operation.  Your insurance company does not have your best interest at heart.  We have a staff ready to personally handle every aspect of your claim.

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041

Warming - Watch for Ice Dam Damage - Public Adjuster NH, MA, VT, RI, CT

We are seeing a quick rise in Ice Dam Damage as the harsh cold gives way to more normal coldness.

Warming - Watch for Ice Dam Damage - Public Adjuster NH, MA, VT, RI, CT

"Ice Dams damage happens in the most elusive way! Most of these claims get larger by the minute because owners don't know they are having the issue until it has caused a great deal more damage.  For some reason, Ice Dam Damage Insurance Claims require us to stand tall for property owners... insurance companies tend to pay far too little for these claims before we do our pushing" Marc Lancaric - Public Adjuster & President of Global Patriot Adjusters, LLC.

Learn more about these types of claims here and call on us if Ice Dam Damage visits your business or home.

Global Patriot Adjusters settle Ice Dam Insurance Claims Quickly.

With years of experience, our ability to bring about quick action from your insurance carrier is our standard of operation.  Your insurance company does not have your best interest at heart.  We have a staff ready to personally handle every aspect of your claim.

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041

Maximizing the Size of Your Insurance Claim -

Maximizing the Size of Your Insurance Claim

Maximizing the size of your insurance claim may mean properly valuing  or discovering the depth of the actual damage.

"Maximizing the size of your insurance claim is more of a science project than anything else.  We prove facts, and present them in a way the Insurance company will understand." - Marc Lancaric - Public Adjuster, President of Global Patriot Adjusters, LLC

Yesterday we met with an insurance adjuster for a claim in Nashua, NH. The adjuster sized the claim at $23,500.  We validated our estimate at $41,000 and settled the claim. That defines Maximizing the Size of Your Insurance Claim.

Earlier in the week were working on a Pipe Break claim in Hartford, CT. The Owner thought the claim was going to cost about $43,000 to repair due to a contractor visiting the property who "eye-balled" the estimated cost.    We produced a line by line estimate of the damage to the property to justify the entire claim. The actual claim value was $91,5000.

Early conversations with the Insurance Adjuster look positive for this amount.  The owner is actually getting an Advance for $15,000 this week due to our efforts.

While working with a business owner in Hopkinton, MA, we discovered a second pipe break which was missed by the carrier. The Pipe had lower pressure and had caused a slower release of damaging water.  We were able to inform the carrier and validate the additional damage.  

On commercial claims especially, Maximizing the Size of Your Insurance Claim mean assessing the damage and Loss of Use Policy provisions. The Pitfalls of handling an insurance claim can mean the loss of tens of thousands on the average loss.

Please Contact Global Patriot Adjusters to have us work on Maximizing the Size of Your Insurance Claim. 

With years of experience, our ability to bring about quick action from your insurance carrier is our standard of operation.  Your insurance company does not have your best interest at heart.  We have a staff ready to personally handle every aspect of your claim.

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041.

Pipe Break or Frozen Pipe Insurance Claims - Public Adjuster CT, NY, MA, ME, RI, NH

When you have a Pipe Break or Frozen Pipe Insurance Claims you need a Public Adjuster!

pipe break insurance claim marc lancaric public adjuster

It is hard to believe what a single split pipe can do to the interior of your property.  While walking a property yesterday, in Jewel City, Ct  Marc Lancaric  - Public Adjuster said; "If water can - It will - no matter how many times we see it - it is always amazing..  the magnitude of the damage by ice and water!"

Pipe Break or Frozen Pipe Insurance Claims

1.  Turn off the water at the main.
2.  Call a Plumber.
3.  Take Pictures (lots of them), and Report the Loss to Your Insurance Carrier.
4.  Call a Public Adjuster to manage the claim on your behalf.

Once Global Patriot Adjusters Takes on Your Pipe Break or Frozen Pipe Insurance Claim in CT, NY, MA, ME, RI or NH

Once you call Global Patriot Adjusters, LLC, we will visit  your property, assess the damage, and build an estimate of the true value of the claim.  We aren't going to make a schedule to come out 10 days from now, we are going to rush to you, because time is of the utmost importance in this process.  The insurance company will delay you, we will not allow this!  You can expect the following to occur.

• Meet with your insurance company adjuster to work out details of the claim. 
• Work with you to help to organize content losses, and get a fast payment.
• Work with your carrier to get an advance on your loss, so  you can get back to normal faster. 
• Work with your carrier and contractor to demand a fair and fast settlement.
• We will work to help you avoid all costly pitfalls of the insurance claim process. 

"There is nothing more important in dealing with a Pipe Break or Frozen Pipe Insurance Claim than to move with speed.  As your public adjuster, we bring speed and priority to your claim.  There are few tricks of the insurance industry we haven't learned to beat." Marc Lancaric - Public Adjuster & President of Global Patriot Adjusters.  With years of experience, our ability to bring about quick action from your insurance carrier is our standard of operation.  Your insurance company does not have your best interest at heart.  We have a staff ready to personally handle every aspect of your claim.

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041

Insurance Policy Review -New Years Resolution

Insurance Policy Review — Like money in the bank! 

This is the season for New Year's Resolutions, as our friends at the Merlin Law Group suggested in an article by  Shane S. Smith, Esq..  Ms. Esquire Notes "The New Year is a time when many people commit to a New Year’s Resolution to do something different, or have set specific goals they would like to achieve in the New Year. Maybe you have set a goal regarding improving your health or personal finances. However, have you thought about a resolution to review your insurance policies?"

The heartbreak of being under insured after a damage to your property yields the owner and the Public Adjuster with problems that cannot be remedied.

We encourage owners to have an insurance policy review bi-annually to assure conditions do not change that could cost at the time of insurance covered damage.

Talk to your insurance broker and ask for an insurance policy review to include: 

• Do I have enough coverage on my building for all potential perils?
• Do I have enough coverage for my contents?
• Do I have enough coverage for loss of use or additional living expenses if I must be away from the property?
• Can I get a reduction in my cost of insurance by doing something with my home, windows, structural, or security system?
• How much does the maximum for sewer backup coverage?
• Check your deductibles, make certain they are not so high you cannot afford them.
• Make certain all the buildings on your property are covered.
• Make certain you are covered for specific high value items in your home; Antiques, Fine Art, Jewelry, etc.

This entire process will not take long, and will assure you that a loss at your home or business does not become a loss to you personally. Insurance carriers deny claims, Global Patriot Adjusters, as your Public Adjuster fights these denials with great success. Our ability to settle insurance claims is enhanced when overages are appropriate for the eventual loss situation.

With years of experience, our ability to bring about quick action from your insurance carrier is our standard of operation. Your insurance company does not have your best interest at heart. We have a staff ready to personally handle every aspect of your claim.

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041.